Have you ever do a financial check?
Most of us never do. In fact, such a check is important to be able to immediately find out if there is a problem on your finances and can be addressed. If you have never done this kind of examination, the following information can be a picture of how the financial checks done? Already healthy is your finances?

Financial health check aims to determine the true state of our finances compared with the ideal financial standards. Although, financial checks necessary to fix your finances, but awareness for such checking is still rare in the western state.

Ideally, this kind of examination should be performed at least once a year. Most good if it could be done 3 times a year. Financial health check is recommended to be done if there are major changes concerning your financial and family, such as getting married, changing jobs, unemployment or death.


The first step is your current financial checks are required to fill out a form to get data from the client. Data to be recorded include:

On the income, will be asked to write a regular income as a monthly salary, income derived occasionally as THR (Allowance) or bonuses.

All types of expenditure should be recorded in detail and detail. Start of monthly expenditure that is definitely like school fees, dues hygiene, electricity, telephone, etc. Likewise with annual expenditures. All expenditures in small quantities should also be noted.

In the form of assets or property that you have. Assets are grouped into several categories. First, current assets (eg: the amount of savings in the bank, precious metals, etc.), non-current assets (eg, house, land, etc.), investment assets (eg, mutual funds, bonds, retirement savings), and asset consumption (eg: cars, motorcycles, etc.).

Is an obligation that you have. For example, mortgage (mortgage), KPM (Car Loan), KTA (Loan), credit card debt or debt rather than to finance lembanga such as debt to family, relatives or friends.

You will be asked to write down what your financial goals. For example, for the children's education fund, saving for retirement, marriage, etc.


After getting the data above would look if your finances are healthy or not. Some of the main comparison is the basis for assessing the client's financial health is:

Liquidity Ratio
Comparison of current assets with regular expenses> 1

Saving Ratio
Comparison Saving for investment with regular income> 10%

Debt Ratio
Comparison of debt with regular income <30%


If the results of the examination of your finances look unhealthy, financial planner will help to finish by looking at what is causing your finances are not ideal.

For example, if you owe consumer goods exceeds the capability, it is recommended you can be careful in spending money. Other examples such as the amount of debt and interest to be paid, the solution you have to pay off the debt, mainly to pay the debt that has the greatest interest. Other cases, for example if you have too many credit cards and many consumer transactions with use, it is recommended that you close a credit card there, leaving only one credit card with a small limit or do not use credit cards at all.

Financial health check is one way that you do not engage the financial problems that will complicate your life.

Financial Success With a $3 Billion

Financial success with $ 3B mindset, methods and money management may be new to hear. In America this term was introduced to help traders (those who buy and sell stocks, futures products, options and other capital market products). The term in America known as the $ 3B = Mindset, Method and Money Management. Financial Financial Planner will discuss the financial success with the mindset, methods and financial manjamen.

Financial Success with Financial Management

Many incoming email to the Problem Of Financial Debt contains: financial challenges my family no greater expenditure than income. Do you think spending greater than the revenue it bad?

The answer depends, expenditure is greater than income., For some people is a problem for some people but not others. Spending there are two consumer spending and productive spending.

A. Expenditure consumptive eg daily needs, recreation, buy clothes, pants, bags, and other electronics.

B. Expenditure productive for example investing in mutual funds, buying land, houses or apartments for rent.

If consumer spending someone greater than income, it is time for the people to tighten belts, began managing finances. One way is to make household financial budget and financial statement is simple.


Financial success by financial planners Problem Of Financial Debt to be done with the right mindset and proper financial management. Everything must be done with full commitment and discipline.

Stay away 5 Bad Habits Managing Money

Bad habits often do not manage the money we feel. We just bought it and dismiss this planning or planning. What are the consequences? Of course, the medium-term financial goals and our long hard fulfilled. Managing money can be regarded as a habit. Do not let our bad habits can damage the health of our financial condition. Therefore recognize bad habits to manage money so that we can meet the financial goals of our medium and long term.

5 Bad Habits Managing Money and Solutions

Here are 5 bad habits that often times we do and we do not realize that this is a danger to the health of our finances. What are some bad habits?

Not Conscious Money We Out Where

Believe it or not we are aware we often take money in atm, then unconsciously suddenly lost our money where (aka The belanjain where)? Or we realized just now payday then do not know suddenly bolted declining balance atm. Where did our money go? Have you ever aware of it? This is because we are not used to record our expenses, so we do not know where our money goes.

Therefore, the simplest solution to correct bad habits to manage money is our record revenue and expenditure daily. Record the daily expenditure is quite difficult to collect his intention, annoying, disturbing, cause discomfort in a short time, but it is helpful for the medium and long term. One of the advantages noted daily expenses we can know our expenditure patterns in a given period eg monthly expenditure patterns.

Always Pay Minimum Credit Card

Credit cards are a tool used to help payment. Consciously or unconsciously, that we often credit card ditawarin yes yes wrote. With the simple reason that its administrative costs zero to life. Finally, we collect credit card. Consciously we unconsciously use card spending the first, the second to the eight cards. Then we forget the first card to be paid when, the second card must be paid when. Finally in debt and we pay the minimum credit card for each card. End of story we are trapped by credit card debt.

Not one looo credit card. It was one of us as credit card users who are less wise. Solutions to fix bad habits managing money is to always pay more than the minimum credit card payment. Try paid off credit cards and credit card have to taste. As suggested by our government 2 pretty card.

Do not Have an Emergency Fund and Insurance

Do not have an emergency fund or health insurance is a very dangerous thing. Why? As there is a proverb willing umbrella before it rains. Well emergency funds and insurance (in particular health insurance) is an umbrella that we use when there is rain or problems in our finances.

Solutions to fix bad habits manage money is to start preparing and saving an emergency fund. Buying health insurance policy and other insurances that we need (read not insurance offered to us). The most important thing is to buy insurance that we need and do not forget the emergency fund.

Buying Things that Nanggung

Well this one is usually made confused. Never ga experience we buy something to say just buy POWERBANK (tool for energy reserves for our mobile phones). Because busyness The ABE and the need for backup power for mobile phones and tablets, the ABE want to buy a POWERBANK. There is a choice of brand A and brand B. Then ABE choose a brand that is cheaper than brand B. Differences 1 week POWERBANK A broken and not functioning properly. Finally ABE buy again POWERBANK brand B.

HAVE we have a situation like ABE buy bear? Or other bear-bear? (read: discounts bear, bear again the same friend, bear fit in the store and other bear-bear).

Solutions to fix bad habits manage money is to buy something appropriate needs not wants. Expensive if we need is not a problem. Cheap if we do not need to be a problem.

Upside Investment Buy Low Sell High

It is our habit and most of the people. Invest in a way that is upside down, buy at high prices and sell at low prices. Alias always lose. What's the solution?

Solutions to improve the bad habits we manage money is to learn to control our investments. Do not feel loss to follow seminars on investment that we follow, read a book or a discussion with people who are more experienced. Indeed there is a price to pay. Before investing in investment products, we really should invest in the time to learn to control our investments.

Hopefully we can improve our bad habits in managing money.

Good Debt and Bad Debt

The readers will have heard of the word debt? Most parents and economists say do not owe, do not owe, and do not owe. Do you think you agree not to owe? A similar question Writers ask one entrepreneur. They responded with "it depends". The author is still confused, do you mean by the word hanging? He smiled and replied, "depending on its debt, good debt or bad debt?".

Have you ever heard the word good debt and bad debt? Everyone apabia asked about the definition of good debt and bad debt certainly have an answer each version, right? Do not hesitate to write your opinion (in the comments field) regarding good debt and bad debt. Like you, I also gained their own definition of good debt and bad debt. In this article the authors try to dig deeper on the two types of debt, according to a debt expert.

Bad debt

According to one financial adviser (financial planners) in American named Robert T. Kiyosaki, the definition of bad debt is debt that is making money out of your pocket. Very simple definition. Based on the definition, let us apply the financial situation in Indonesia.

Good debt

According to the same person that Robert T. Kiyosaki, the definition of good debt is debt that makes money goes into your pocket. Well if Bener so good debt definition can be used to add richness donk? Good debt can be classified into OPM (other people money). It might be that we are owed on something, but other people who pay our debts. Loh how come? Based on the definition, let us apply the financial situation in Indonesia.

Based on the above example of good debt, who is owed? Yes exactly what is owed to the family. Whose money was used to pay? Yes really money people who rent a car.

The problem is not in debt, but how do we (me and you) to use debt. So before we consider What should owe a debt we will do can insert money into our wallets or even spend money from our wallets.

Agen Judi Bola Online Yang Aman Dan Terpercaya

Agen bola adalah agen sepak bola paling terkenal dan beroperasi di wilayah Asia dan Eropa. Di sini Anda akan menemukan berbagai macam taruhan olahraga permainan yang ada di seluruh dunia. Anda akan menemukan berbagai macam kegiatan sepak bola dan olahraga yang dapat dimainkan judi online. Anda hanya perlu mendaftar dan bermain melalui bola bahwa agen handal.

Ada segala jenis bentuk permainan taruhan bola secara online yang dapat anda temukan disini. Anda dapat menikmati permainan ini tanpa harus bersusah payah. Hal pertama yang dapat anda lakukan adalah menghubungi perusahaan yang berwenang. Anda dapat masuk kedalam account anda sendiri. Jika belum memiliki account, anda dapat membuatnya terlebih dahulu dengan cara mengklik klik4d yang sudah kami sediakan.

Untuk mulai bermain taruhan sepak bola online, Anda harus mengakses situs melalui situs taruhan bola terpercaya seperti yang kita telah diberikan kepada Anda. Anda akan terhubung langsung ke situs yang terpercaya dan akan diarahkan ke halaman utama website kami. Namun, kadang-kadang Anda akan menemukan bahwa situs Anda akan telah melalui keamanan pemerintah daerah yang tidak bisa dibuka.

Untuk mengatasi hal ini, visit now dan Anda akan masuk ke situs dari situs Sbobet alternatif yang terkenal dan terpercaya yang akan membawa Anda untuk menikmati judi bola online. Kadang-kadang orang akan merasa bingung dan ragu ketika akan bermain taruhan bola online.

Untuk membantu Anda mendapatkan informasi taruhan bola online yang lengkap, Anda bisa dengan mudah mendapatkan bantuan dan bimbingan melalui layanan pelanggan kami yang sudah terlatih dan ramah terhadap pelanggannya.

Dengan bantuan dan pelayanan dari agen bola terpercaya, maka Anda akan menghemat banyak waktu dan energi untuk bermain game judi bola online. Ball Online Gambling permainan itu sendiri dapat ditemukan di situs perjudian online internasional atau Asia. Di sini Anda akan menemukan banyak jenis permainan judi bola secara online dan lebih banyak lagi permainan yang sudah kami sediakan untuk Anda yang suka berjudi melalui online.


On 1 or 25 for most of us is a very dated we wait. Who would not be happy if we receive a salary? But for some of us, this date also makes us dizzy, the article of the bill began to arrive. Not to mention the prize thanks to tithe to the Lord.

For some people, this is exacerbated by the debt piled up like a mountain.

Dilemma arises when our income is not enough to pay the entire debt burden us ... even sometimes just to pay the minimum payment. Well if so how dong. Thus, this article will discuss how to overcome the debt that is wrapped around us.

Often in our minds up ...

Pay now or later?

Do not pay the debt is one way to entertain themselves while burying ourselves in our financial death. Very unreasonable if we vacation, or just with the luxury of paying the minimum payments for life. The term cool enjoy now, pay forever ... he he he ... because the facts show that our debt will be paid off over thirty years if we pay the minimum monthly installment.

So how to get around as well kill our debts?

1. Make a list of all our debts
Create a list of all of our debt. List of debt must be sorted from the largest to the smallest. Do not forget to include the interest rate applicable to each of each debt.

2. Prioritize payment
Pay the smallest debt first. Pay off so it does not become a further burden for us. While the minimum pay for a larger debt. If smaller debts can be resolved proceed to greater debt. We also can settle debts with high interest first, and low interest. Experts also recommend us to pay at least twice the minimum payment so that our debt will be completed in less than three years.

3. Do not settle debt with more debt
In other words, do not open a credit card debt settlement debt to the past even with the lure of free balance transfer. (Unless free transfer was followed by free interest. This must be done with the advice of experts).

Believe me, complete the hole by digging a hole will make us more dizzy.

4. Close (card) unused credit
If you have completed your debts, we must take firm steps to close unnecessary credit cards. Besides saving expenditure annual fee credit card shut certainly will reduce our temptation to excessive spending.

5. Musiumkan or freeze our credit cards at home
Sometimes we are not able to resist the temptation mega bazaar sale, discount and rebate very interesting us to actively shopping. But on the other hand, sometimes we still really need a credit card (for auto payment for example) it is better if the card is in the closet memusiumkan us alone.

Freeze the card in the fridge is also a good idea because the melting time will give us time to think again whenever we are tempted to buy goods.

6. Cut your credit card
If we do not succeed curb our willingness to shopping it is better to cut our credit card. High-interest debt like cancer. Cut cancer is painful but it will make us more healthy finances.

7. Do not owe anymore
Finally Tuhanpun confused and would cry if we remain ignorant and repeat our mistake, despite being reminded. Kala forget our debt to debt paid off again. Pay every bill on time.

Good luck and hopefully your debt quickly resolved !!!